Owning a car comes with a lot of added costs. Maintenance forrepairs and rising gas prices can take a toll on a driver's wallet,not to mention the cost of insurance.

While we cannot necessarily control the cost of filling up thegas tank or how much we spend on auto repairs, the cost ofinsurance is actually one of the few areas that allow for possiblesavings. Clients who have not recently reviewed their policies maybe missing out on valuable discounts that can contribute toconsiderable savings in the long run.

According to Michael Barry, spokesman for the InsuranceInformation Institute, competition among insurers has lead to newdiscounts. “Insurers are trying to differentiate themselves in themarketplace,” Barry says.

Some insurers list discount information plainly on the website,but for others, this information can be difficult to find, as it isonly available on Question & Answer pages or in the intricatepolicy wording. By methodically compiling information fromdiscounts pages on the web, Bankrate has compiled a list of populardiscounts found on the websites of the ten largest auto insurers inthe U.S. to help consumers find more discounts.

Discounts, however, can vary by location because stateregulators control which reductions are allowed, and somecompanies' market research may show that a discount may be bad forbusiness in certain areas. Finding all of the available discountsmay take some digging, especially since Bankrate encouragesconsumers to look beyond their insurers' website. Instead, consumeradvocates suggest that consumers explore buying guides from stateinsurance departments, media reviews of companies' offerings andresearch by industry groups.

While some discounts are common, others are much more unique orobscure, such as discounts for getting married or wearing aseatbelt . Industry experts suggests that policyholders reviewtheir coverage with agents at least once a year, and after anymajor life event to be sure that policyholders are getting the mostbang for their buck. However, while some companies may offerseveral discounts, this does not mean that the insurer provides thelowest premium for drivers.

Click through the following slides to see the 19 Most PopularCar Insurance Discounts found on the websites of the country'slargest auto insurers. While not all insurers offer the followingdiscounts, clients could save money by looking into some commoninsurance price breaks.

1. Multiple Policies: Discounts for bundling car insurance withother policies, such as homeowners' insurance

• Provided by 10/10 top insurers

2. Good student: Discounts for a younger driver who earns goodgrades

• Provided by 10/10 top insurer

3. Multivehicle: Discounts for insuring more than onevehicle

• Provided by 9/10 top insurers

4. Anti-theft: Discounts for a vehicle's anti-theft device, suchas a car alarm system

• Provided by 9/10 top insurers

5. Passive restraint: Discounts for safety features such asairbags and motorized seat belts

• Provided by 9/10 top insurers

6. Safe driver/accident free: Discounts for a clean drivingrecord

• Provided by 9/10 top insurers

7. Full payment: Discounts for paying premium all at once

• Provided by 8/10 top insurers

8. Paperless billing or automatic payment

• Provided by 8/10 top insurers

9. Distant student: Discounts for a young driver on a policyattending school far away from home

• Provided by 8/10 top insurers

10. Low mileage: Discounts for keeping mileage down (electronicmonitoring of mileage may be required)

• Provided by 8/10 top insurers

11. Defensive driver: Discounts for taking a defensive drivingcourse (may be limited to senior drivers)

• Provided by 8/10 top insurers

12. Anti-lock breaks

• Provided by 7/10 top insurers

13. Loyalty: Discount for staying with an insurer for a lengthof time

• Provided by 6/10 top insurers

14. Newer vehicle: Discounts for vehicles that are under acertain number of years old

• Provided by 5/10 top insurers

15. Early signing: Discounts for switching to a newcarrier if the shopping process started at least a certain numberof days before an old policy expired

• Provided by 5/10 tip insurers

16. Military

• Provided by 5/10 top insurers

17. Affinity/occupational (nonmilitary): Discounts for belongingto a certain group or working for a certain company or in aparticular field

• Provided by 5/10 top insurers

18. Daytime running lights

• Provided by 4/10 top insurers

19. Green vehicle: Discounts for hybrids or alternative-fuelvehicles

• Provided by 3/10 top insurers